HELOC – use the value you have in your home

• Borrow up to 100% of your home’s value, minus your mortgage balance
• No closing on $50,000 or less
• HELOCs may be tax deductible; ask your tax advisor for information
• Draw money from your HELOC as needed
• Interest only draw period for 10 years
• Accessible online banking

For HELOC call Kateyann Winstead at 901.452.7900 ext. 3021

*Offer valid from 10/01/2024 to 12/31/2024 and is subject to change or withdrawal without notice. Please see us for complete details. Does not apply to existing SSFCU home equity lines of credit (HELOC) or home equity loans. 6.99% APR (Annual Percentage Rate) is valid for 6 months. After 6 months the rate will revert to the one for which you qualify when the loan closes, which is a variable rate based on Prime Rate plus a margin of 0% to 3% determined by the LTV. Maximum LTV is 100%. Maximum APR is 18.00% and Minimum APR is 11.00% for 100% LTV; Maximum APR is 18.00% and Minimum APR is 8.00% for 80% LTV. Balances cannot be transferred from existing SSFCU loans or credit cards to an SSFCU HELOC. Loans are subject to approval criteria, not all applicants will qualify. Equal housing lender.